Flossy UE Diary & YB Hassle

[Flossy]

Re: Flossy UE Diary & YB Hassle

MBNA #1 - Niddy "This is weird I don't see how they can send two versions of CCA's and more so why I missed this and said one was UE and one was EN. Yea they can remedy a s.78 but they cannot falsify a document if they have previously stated that X is the actual original. It then puts into doubt their claim that agreement Y was actually correct, based on their previously stating agreement X was an original (if any of that makes sense)... hence I would like to see both copies again please with a brief explanation as to why you got two versions etc - please email me one email with the first agreement and terms etc plus the cover letter and the same in another email for the second version. I'll clarify this later once I see documents again, I think this would be UE regardless so want to check - thanks".

- Emailed Niddy my CCA. Seems its a recon and BUT, I am going to try and get away with UE.

- Letter off ARDEN received dated 30 July 2012 - We have provided you with copies of CCA. Our position remains outlined in our letter. You are free to take whatever action you deem appropriate, but we will not be releasing you from any obligation. Contact Arden to arrange payments.

Do not really know what to do/send back with this one?


Sorry I moved this one forward to do next as I thought we had finished with Mint... My fault.. Sorry!

[Never-In-Doubt]

Re: Flossy UE Diary & YB Hassle

seems you closed and settled to re-open then. The limits confirm that, as they are so similar - Mint had a maximum limit of £7.5k during 2007 until closure to new customers so the way around that was new business from old customers.

Oh well, not the best result but you could still blag this for now. Mint are not that aggressive....

[Flossy]

Re: Flossy UE Diary & YB Hassle

When I was the victim of a credit card fraud (card details cloned) the bank cancelled my old card and then sent me a new one with a completely new number. At the same time they closed the old account and opened a new one because they said that was the only way it could be done No new paperwork signed or sent Did you have your card lost or stolen?

Hi PlanB

I wish I did! I have a new CCA for 2008, although it is a recon... Dont think I can get out of this.... It is strange that that happened. I had £0.00 in 2007 and then a new card and limit online 2008.

[PlanB]

Re: Flossy UE Diary & YB Hassle

£12k 1st one
£11.7k 2nd one!

I only opened an account with them in 2004. But, it does look like I have done transfer balances to the first card and then cleared it and then re-opened to transfer further balances on it. I used to swap things around to 0% offer!

When I was the victim of a credit card fraud (card details cloned) the bank cancelled my old card and then sent me a new one with a completely new number. At the same time they closed the old account and opened a new one because they said that was the only way it could be done No new paperwork signed or sent Did you have your card lost or stolen?

[Flossy]

Re: Flossy UE Diary & YB Hassle

Hmmm, the card was unique in that they were the first company to ever issue a non standard card (in the uk) - the MC2 card did cause quite a stir, I was sure that came out in 2003 with the whole portfolio so cannot see why they'd issue a new card, unless like you say you closed and re-opened a new account.

What was the old card limit and the new card limit, is it the same...?

In 2008 they did bring out a new 0% offer, to new applicants only, but existing customers could close their old account and get a new one if they wanted, maybe this is what you did...?

I really don't know.

£12k 1st one
£11.7k 2nd one!

I only opened an account with them in 2004. But, it does look like I have done transfer balances to the first card and then cleared it and then re-opened to transfer further balances on it. I used to swap things around to 0% offer!

[Never-In-Doubt]

Re: Flossy UE Diary & YB Hassle

Hmmm, the card was unique in that they were the first company to ever issue a non standard card (in the uk) - the MC2 card did cause quite a stir, I was sure that came out in 2003 with the whole portfolio so cannot see why they'd issue a new card, unless like you say you closed and re-opened a new account.

What was the old card limit and the new card limit, is it the same...?

In 2008 they did bring out a new 0% offer, to new applicants only, but existing customers could close their old account and get a new one if they wanted, maybe this is what you did...?

I really don't know.

[Flossy]

Re: Flossy UE Diary & YB Hassle

Are you sure you closed one and re-opened another or did they issue a replacement card and number when they changed things in Oct 2009 (they stopped taking applications then)...?

Mint is part of RBS and the card was aimed to replace the RBS Advanta card (cira 2003 time). Does that help with anything, ie memory wise..?

Failing that, maybe SAR them

Hi Niddy.

My first card was taken out 2004 (have the CCA).
£0.00 balance April 2007.
It does then say about issuing a BRAND NEW (design) card with no date on it!

27 nov 2008 letter from Mint saying thank you for your application for a Mint card....

I have everything here in the file but I cant see that it was a replacement... I will go through the whole file tonight but, as I said I seemed to have closed one and then applied again in 2008!

[Never-In-Doubt]

Re: Flossy UE Diary & YB Hassle

Mint CCA must have been online application, although not sure why I stopped and started it.. Must of had a reason. Anyway the CCA is a recon.. I didnt sign anything they've just ticked the box!

Will have to do a payment plan with them... I wanted to just ask that and Niddy asked for some details which I gave about the account.. I dont know why he wanted them or what he was thinking?

Are you sure you closed one and re-opened another or did they issue a replacement card and number when they changed things in Oct 2009 (they stopped taking applications then)...?

Mint is part of RBS and the card was aimed to replace the RBS Advanta card (cira 2003 time). Does that help with anything, ie memory wise..?

Failing that, maybe SAR them

[Flossy]

Re: Flossy UE Diary & YB Hassle

Just moving this on to this page to do next...

MBNA #1 - Niddy "This is weird I don't see how they can send two versions of CCA's and more so why I missed this and said one was UE and one was EN. Yea they can remedy a s.78 but they cannot falsify a document if they have previously stated that X is the actual original. It then puts into doubt their claim that agreement Y was actually correct, based on their previously stating agreement X was an original (if any of that makes sense)... hence I would like to see both copies again please with a brief explanation as to why you got two versions etc - please email me one email with the first agreement and terms etc plus the cover letter and the same in another email for the second version. I'll clarify this later once I see documents again, I think this would be UE regardless so want to check - thanks".

- Emailed Niddy my CCA. Seems its a recon and BUT, I am going to try and get away with UE.

- Letter off ARDEN received dated 30 July 2012 - We have provided you with copies of CCA. Our position remains outlined in our letter. You are free to take whatever action you deem appropriate, but we will not be releasing you from any obligation. Contact Arden to arrange payments.

Do not really know what to do/send back with this one?

[Flossy]

Re: Flossy UE Diary & YB Hassle

Mint CCA must have been online application, although not sure why I stopped and started it.. Must of had a reason. Anyway the CCA is a recon.. I didnt sign anything they've just ticked the box!

Will have to do a payment plan with them... I wanted to just ask that and Niddy asked for some details which I gave about the account.. I dont know why he wanted them or what he was thinking?

[Flossy]

Re: Flossy UE Diary & YB Hassle

Did you sign a new agreement for this card in 2008? Or did you get a new card with the balance from the old one transferred to the new one at that time?

I have just looked through the file and I had a Mint card in 2004 with CCA here in my file after an online application. But then for some reason my card is cleared in 2007! I must have paid it off or transferred the balance to another card.

Then, it starts again with a different card number in 2008... It just says on the letters (no dates) "the finishing touches are being made to your new card". Then it has the date for a registration online! There was CCA at the time or anything but, it was 2008 they issued me with a new card and number!!!

[Flossy]

Re: Flossy UE Diary & YB Hassle

MBNA #1 - Niddy "This is weird I don't see how they can send two versions of CCA's and more so why I missed this and said one was UE and one was EN. Yea they can remedy a s.78 but they cannot falsify a document if they have previously stated that X is the actual original. It then puts into doubt their claim that agreement Y was actually correct, based on their previously stating agreement X was an original (if any of that makes sense)... hence I would like to see both copies again please with a brief explanation as to why you got two versions etc - please email me one email with the first agreement and terms etc plus the cover letter and the same in another email for the second version. I'll clarify this later once I see documents again, I think this would be UE regardless so want to check - thanks".

- Emailed Niddy my CCA. Seems its a recon and BUT, I am going to try and get away with UE.

- Letter off ARDEN received dated 30 July 2012 - We have provided you with copies of CCA. Our position remains outlined in our letter. You are free to take whatever action you deem appropriate, but we will not be releasing you from any obligation. Contact Arden to arrange payments.

Do not really know what to do/send back with this one?

[Flossy]

Re: Flossy UE Diary & YB Hassle

Egg - Niddy - "Respond with this --> Our Templates | Unenforceability Templates | Threat by Creditor - Threat-o-Gram Letter Before Action"

Last letter I sent 14 July 2012 - Threat to commence litigation

-18 July Letter from Credit Solutions - Saying that Credit Solutions take complaints seriously, they do not know of any dispute with their client and CCA, In order for them to raise my dispute with their client they require:

1. If I have/NOT received any documentation since my request was sent?
and:
2. If I have paid the £1 fee?

If I have received T&C's then please note that sending this docs fulfills our clients obligation of CCA Act 1974. They go on about me having till 1 August to let them know or a/c will be taken off hold and they refute any allegations of harassment and if they haven't had a reply from me by 1 August collection activity will continue.

Should I send threat O Gram Letter or a letter answering their questions? I want to send something, even if just to acknowledge their letter!

[Flossy]

Re: Flossy UE Diary & YB Hassle

Mint -

Niddy quote "maybe time to accept defeat and consider repayment? First though, please confirm what is the balance on the account? When did it start and when was it defaulted?"

My reply "Balance on a/c £14,900. CCA said November 2008!!!! (Before September 2004 but this is the first statement I have in this file.. there will be others)- I had a rough time in 2005-6 ish and they got someone on my case for the full amount to be paid and then let me carry on using CC and issued new card with more money on! Defaulted 17 January 2011."

Does the time of before 2008 when the card was first taken out not make a difference? I know they sent my CCA and it was EN but due to the date! Not sure why they would have a CCA dated 2008 in the first place?

[Flossy]

Re: Flossy UE Diary & YB Hassle

If he comes again tell him to F OFF he is lowering the tone of the area

He was... Its quiet where I live and he had spoken to at least 2 of my neighbours including 1 of the worse neighbours who is nosey and likes to spread gossip! I was embarrassed... It was his attitude and looking around the area and in my window. Apparently, my nice neighbour told me he was down the side of my house as well. Cheeky bastard